DTRIC Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
DTRIC currently indicates it is transitioning to a run-off insurance company and will no longer issue new policies. For Home business, this means no new homeowners submissions should be expected to be accepted at this time. The carrier states it only serves Hawaii, so geographic appetite is Hawaii-only. No current official broker-facing home underwriting/appetite guide, class list, or submission requirements for new Home business was found on the public site. Public-facing materials still reference homeowners coverage and claims servicing for active policies, including that standard homeowners policies often exclude landslide, earthquake, sinkhole, power failure, government action, and poor maintenance, and that Hawaii-specific hurricane or flood coverage may be required separately depending on exposure. Operationally: treat DTRIC as servicing in-force business and claims rather than writing new Home accounts; direct insureds to independent agents listed by island for service questions, and use DTRIC customer service or the insured's agent for policy changes on existing accounts. Notable producer/customer instructions available publicly: independent-agent distribution model; policy changes can be requested online or through the agent; claims can be reported online, by phone, fax, or email; claim reporting requests insured name, contact info, address, policy number, date/time/location of loss, and loss description. Because no verified public underwriting or appetite bulletin for Home new business was located, restricted/declined classes beyond the effective no-new-business run-off position are not published on the official site.